Saturday, 24 February 2024

Tax Implications of Receiving Money under Section 56(2)(x) of the Indian Income-tax Act, 1961: Does it Attract Tax Based on Fair Market Value of Consideration?

Under the India’s domestic tax law, viz., the Income-tax Act, 1961 (“IT Act”), the subject matter is tax on ‘income’, i.e., ‘income-tax’. Even if income-tax is levied on a person distributing the income (like, dividend distribution tax in the earlier tax regime pertaining to dividend, or share buy-back tax under section 115QA of the IT Act levied on the domestic companies), the same retains its character as tax on ‘income’ (to the extent distributed).

As per the provisions of section 4 of the IT Act, income-tax shall be charged in respect of ‘total income’ for a tax year of every person. Further, the income-tax shall be charged in accordance with and subject to the provisions of the IT Act. The IT Act contains detailed provisions regarding the scope and manner of computation of ‘total income’.

 

To begin with, one would need to understand as to what is meant by the word ‘income’. The word ‘income’ is defined by section 2(24) of the IT Act. The said definition is an inclusive one and it does not precisely define as to what exactly is meant by ‘income’. There are various landmark judicial precedents on the point as to what is meant by ‘income’, ‘revenue receipts’ and ‘capital receipts’.

 

The definition of the word ‘income’ in section 2(24) of the IT Act, being an inclusive definition, includes items which are purely in the nature of income, items on which there were issues as to whether the same constitute income or not and the legislature thought it appropriate to levy income-tax on the same, and capital receipts which the legislature deliberately included in the definition of income. In other words, wherever the legislature intended to levy income-tax on capital receipts or gains or something which is not in the nature of income, the legislature expanded the definition of the word ‘income’ in section 2(24) of the IT Act to deem the same as income and introduced separate provisions regarding charge and computation thereof in detail. One such provision is the levy of tax in the hands of recipient of gifts etc.

 

The law is well settled that gifts received, unless received in the course of carrying out a salaried employment or in the course of carrying out a business or profession, are capital receipts and are not liable to tax as income.

 

Proceeding on the basis that a gift received is not liable to tax either as ‘Income from Salaries’, or ‘Income from Business or Profession’, it could be taxed as ‘Income from Other Sources’

under section 56(1) of the IT Act if the same is covered by any sub-clause of section 2(24) of the IT Act.

Upto September 30, 1998, gifts made were liable to payment of gift-tax in the hands of the donor as per the provisions of the Gift-tax Act, 1958 (“GTA”). The charge of gift-tax was subject to the detailed provisions contained in the GTA which included various exemptions and deemed gifts. One such provision of deemed gift was contained in section 4(1)(a) of the GTA and it provided that where property is transferred otherwise for adequate consideration, the amount by which the value of the property as on the date of the transfer exceeds the value of the consideration shall be deemed to be a gift by the transferor.


 

The reason for giving the above example of the deemed gift here is that even in the case of transfer of a property for inadequate consideration, the legislature had sought to levy gift-tax on the donor and did not treat the price differential as any income in the hands of the donee. In other words, the legislature proceeded on the basis that a bargain purchase (i.e., purchase of a property for a consideration which is less than fair market value of the property) does not result in any income in the hands of the purchaser or transferee.

Thus, a gift received (including a deemed gift) was not liable to tax as income in the hands of the donee (unless the gift received was in the course of carrying on salaried employment or in the course of carrying on business or profession) for the reason that it constituted capital receipt in the hands of the donee. The levy of gift-tax was abolished by the Finance (No. 2) Act w.e.f. October 01, 1998.

A few years down the line, the levy of gift-tax was brought back by the Finance (No. 2) Act, 2004 with effect from September 01, 2004, in relation to sum of money exceeding INR 25,000 received without consideration by an individual of a Hindu undivided family. This was brought back not as a gift-tax in the hands of the donor, but in the form of income-tax in the hands of the donee under section 56(2)(v) of the IT Act. This was subject to certain exceptions like sum of money received from any specified relative, on the occasion of the marriage of the individual, under a will or by way of inheritance etc. This was done by expanding the definition of income by inserting a specific clause (xiii) in section 2(24) of the IT Act.

While the above provision was first introduced in the year 2004 by inserting section 56(2)(v), the scope of the same was expanded over the years multiple times by inserting section 56(2)(vi), 56(2)(vii) and 56(2)(viia), and the present provision is contained in section 56(2)(x) of the IT Act. Consequently, section 2(24) of the Act has also been amended to include in the income any sum of money or value of property referred to in section 56(2)(x)’. It is relevant to note that while initially vide section 56(2)(v) of the IT Act, the levy was made only with reference to the sum of money, now, under section 56(2)(x) of the IT Act, it stands extended to immovable properties and certain movable properties.

 

Section 56(2)(x) of the IT Act, as it stands presently, provides that where any person receives any sum of money, immovable property or movable property without consideration or for a consideration which is less than stamp duty value or fair market value, then, subject to other provisions contained in section 56(2)(x) of the IT Act, a certain amount will become taxable as income in the hands of the recipient under the head ‘Income from Other Sources’.

A question arises that in case a person receives a sum of money which is not a case of “without consideration” (i.e., it is not a case that no consideration flows from the recipient to the other person), whether a taxability under section 56(2)(x) of the IT Act can arise in the hands of the

person who receives the sum of money if the consideration given by such recipient to the other person is not commensurate with the sum of money received.

To amplify it further, if Mr. X receives INR 500,000 from Mr. Y in consideration of something (which is not the subject matter of charge under the head Income from Salaries or Capital Gains or Income from Business of Profession, or as ‘income’ or ‘revenue receipt’ taxable under the head Income from Other Sources under section 56(1) of the IT Act), then, whether the sum of money of INR 500,000 received by Mr. X will be beyond the scope of section 56(2)(x) of the IT Act simply for the reason that it is not a case of sum of money received without consideration? Or, whether the tax authorities can examine the appropriateness, adequacy or arms’ length nature of the same, and in case they reach to a conclusion that the value of what is given up by Mr. X is say INR 300,000, can they tax the excess sum of money received (i.e., INR 500,000 minus INR 300,000) in the hands of Mr. X as income under section 56(2)(x) of the IT Act?


 

For addressing this issue, let us first have a look at the words used in section 56(2)(x) of the IT Act which read as follows:

“Where a person receives, in any previous year, from any person or persons on or after the 1st day of April, 2017,—

 

(a)    any sum of money, without consideration, the aggregate value of which exceeds fifty thousand rupees, the whole of the aggregate value of such sum;

 

(b)     any immovable property,-

(A)   without consideration, the stamp duty value of which exceeds fifty thousand rupees, the stamp duty value of such property;

(B)   for a consideration, the stamp duty value of such property as exceeds such consideration, ….

(c)     any property, other than immovable property,-

(A)    without consideration, the aggregate fair market value of which exceeds fifty thousand rupees, the whole of the aggregate fair market value of such property;

(B)    for a consideration which is less than the aggregate fair market value of the property by an amount exceeding fifty thousand rupees, the aggregate fair market value of such property as exceeds such consideration…”

 

It would appear from the above that sub-clause (a) of section 56(2)(x) of the IT Act (which deals with receipt of “sum of money”) is worded differently from sub-clause (b) (which deals with “immovable property”) and sub-clause (c) (which deals with “any property, other than immovable property”).

 

It is relevant to note that while the expression ‘property’ has a very wide meaning, for the purposes of section 56(2)(x) of the IT Act, it has been assigned a specific meaning as follows:

 

“property’ means the following capital asset of the assessee, namely:—

(i)          immovable property being land or building or both;

 

(ii)         shares and securities;

 

(iii)        jewellery;

 

(iv)       archaeological collections;

 

(v)        drawings;

 

(vi)       paintings;

 

(vii)      sculptures;

 

(viii)     any work of art; or

 

(ix)       bullion;”

 


 

Thus, in view of the above-referred specific definition of the expression “property”, the “sum of money” is not considered as property for the purposes of section 56(2)(x) of the IT Act. In any case, the “sum of money” has been dealt with specifically by sub-clause (a) of section 56(2)(x) of the IT Act.

Accordingly, the scope of sub-clause (a) of section 56(2)(x) of the IT Act is required to be examined only on the basis of the language used therein without considering the language used in sub-clause (b) and (c) thereof which deal with ‘property’.

Sub-clause (a) of section 56(2)(x) of the IT Act dealing with “sum of money” covers only the cases where the sum of money is received without consideration. In a case wherein the sum of money is received ‘for consideration’, the aspect whether the consideration paid is adequate or inadequate, is not covered by section 56(2)(x) of the IT Act for the recipient of “sum of money”.

 

A few examples of such cases may be where the sum of money is received as compensation, or where the sum of money is received from ex-spouse in consideration of ‘agreement to live apart’ etc.

Having said so, the taxpayers should be mindful of not using this as a ‘device’ to transfer the money. The bonafide of a transaction, commercial justification, practical relevance, etc. should necessarily be kept in mind supported by suitable documentation.

 

 

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